Normal home insurance doesn’t always cover your office equipment and supplies when you’re working from home. Having an office in your house is great for flexible working or having a break from the office environment. How do you know if you need home office insurance?
Do you run a business from your home?
A large number of businesses began from someone starting them up in their own homes. If you work from home, you’re going to need insurance. You need cover just like any business.
Unfortunately, accidents happen all the time, and public and employer liability insurance is still something your policy should cover. This also includes, most importantly, personal accident insurance. If you’re self-employed, but you hurt yourself and are unable to work, you’re going to need insurance to keep yourself afloat.
In addition to this, you need to cover the contents to your office from your computer, down to your supplies. Separate of this is home business building insurance. This covers your home and office against disasters like fire or flooding. If disasters occur, you’re not only losing your home – but also your office!
There is even an online retailer’ insurance. This covers you if you’re business sells goods online. It is probably the case that all of your stock is stored on your premises and so this needs to be covered against theft or damage. Otherwise, you have nothing to sell!
Home Office Insurance
Finding the right insurance can be a headache. Each businesses insurance needs will vary greatly. Therefore it’s important you have the right professional and expert guidance, so you’re fully covered but also not buying something you don’t need.
Do you have questions about Home Office Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.